22-18 Exhibits-Discharge of Mortgage-589 Eagle Rock Avenue.pdf

Exhibit “A”

RECORDING INFORMATION SHEET ESSEX COUNTY REGISTER'S OFFICE, 7 HALL OF RECORDS ,; ROOM 130 465 MARTIN LUTHER KING Jr. Blvd ~ i NEWARK NJ 07102 INSTRUMENT NUMBER: DOCUMENT TYPE : 13041017 MORTGAGE Return Address (for recorded documents) Official Use Only’ COMMUNITY ACTION SERVICES PO BOX 6025 EAST BRUNSWICK NJ 08816 PHILIP THIGPEN, REGISTER, ESSEX COUNTY, NJ INSTRUMENT NUMBER No. Of Pages (excluding Summary Sheet) 4 “ Recording Fee (excluding Transfer Tax} $8.00 Realty Transfer Tax $0.00 Amount Charged (Charge) $8.00 Municipality WEST ORANGE Serilisd Copy First Party Name VERNON G MITCHELL MAIL COPY NO COPY ENVELOPE Second Party Name | WEST ORANGE, TOWNSHIP OF Additional Information (Official Use Only) ADDITIONAL STAMPINGS. seaacerceranecunce Sosseeseeing NOTREMOVE: THISIRAGED*eNteonneeateenuncnenneneest COVER SHEET (DOCUMENT SUMMARY FORM) IS PART OF ESSEX COUNTY FILING RECORD Ree eee eee ee ee ee oe ea EN CO haervsarsunceaneaaras Rk r- Sr & ube a eo 4.13 10/30/2017 12:52:18 PM ESSEX COUNTY Inst.# 13041017 - Page 1 of 5

uy Community Action Services eed P.O. Box 6025 ‘to? East Brunswick, Nj 08816 MORTGAGE THIS IS A LEGALLY BINDING DOCUMENT WHICH CREATES A LIEN. DURING THIS THREE-DAY PERIOD, YOU MAY CHOOSE TO HIRE AN ATTORNEY TO REVIEW THIS DOCUMENT. IN THIS THREE-DAY PERIOD, IT IS POSSIBLE TO CANCEL THE DOCUMENT WITHOUT ANY PENALTY. THE CANCELLATION, HOWEVER, MUST BE IN WRITING. THIS MORTGAGE made this 6th day of February, 2013 between: Vernon G. & Thelma C. Mitchell residing at 589 Eagle Rock Ave, West Orange, NJ 07052, the BORROWER(S), and the TOWNSHIP OF WEST ORANGE, 66 Main Street, West Orange NJ 07052, the LENDER. The BORROWER(S) has applied for monetary assistance under the LENDER'S West Orange Township Housing Rehabilitation Program for the purpose of correcting defects in the house and bringing up to Property Maintenance Code standards. The LENDER has agreed to grant the BORROWER(S) a loan with deferred payments in the amount of: $35,000.00 (Thirty Five Thousand Dollars) which shall constitute the total amount of the loan on which no interest shall be charged. Receipt of the loan is hereby acknowledged and is evidenced by a Mortgage Note which will be signed at the same time as this document. . Be hy eat B gee . The loan is to beik jthe(BORROWER(S)ih accordance with this*Mortgage and subject to all the terms and conditions.as listéd inthe Mortgage NoteneThe Mofighge will secure that the LENDER will be repaid the monies loaned and any other costs or charges intcurfed for the repair of the BORROWER (S) property. To insure that BORROWER(S) performs its obligations as called for by the Mortgage and Mortgage Note, the BORROWER(S) hereby mortgages to the LENDER, its successors and assigns the tract of land and premises located in the Township of West Orange, County of Essex, State of New Jersey, at 589 Eagle Rock Ave, West Orange, NJ 07052 more specifically known as Block 152.17, Lot 957 as shown on the current tax map of the Township of West Orange. This premises was conveyed to the BORROWER(S) by deed from Ralph P. Dyer dated 6/5/2001 and recorded in the Township Clerk's Office on 6/28/2001 in Book No.5808, Page 600. The BORROWER(S) agrees: 1) Ownership. BORROWER(S) owns the property and will defend his/her ownership against all claims. 2) Payments. He/she will make all payments required by the Mortgage Note and Mortgage. 3) Insurance. He/she will maintain

ER(S) owns the property and will defend his/her ownership against all claims. 2) Payments. He/she will make all payments required by the Mortgage Note and Mortgage. 3) Insurance. He/she will maintain extended coverage insurance on the property in an amount at least equal to the amount of the mortgage. Insurance companies, policies, amounts and types of coverage must be acceptable to the LENDER. He/she will notify the LENDER in the event of NN 10/30/2017 12:52:18 PM ESSEX COUNTY Inst.# 13041017-Page2ofS -

any substantial loss or damage. The LENDER may then settle the claim on his/her behalf if he/she fails to do so. 4) Repairs. He/she will keep the property in good repair, neither damaging nor abandoning it. He/she will allow the LENDER io inspect the property upon reasonable notice. 5) Mortgage and Mortgage Note. He/she will comply with all of the terms of the Mortgage, Mortgage Note and the West Orange Township Housing Rehabilitation Program guidelines and procedures. If any provision of this Mortgage is found to be inconsistent with the Mortgage Note, the terms of the Mortgage Note shall control. 6) Lawful Use. Use of the property shall be in compliance with all the laws, ordinances and other requirements of any governmental authority. 2) The LENDER shall have all rights and remedies to insure repayment of the debt and to protect the LENDERS security interest in the property. The LENDER may declare BORROWER(S) in default on the Mortgage Note and this Mortgage if: a) BORROWER(S) fails to make any payment required by the Mortgage Note and this Mortgage within 30 days after its due date; ff i, Is to, ke Sees a gow her Be sd Mehl aye rages Srdiace Note or ao b) BORR' this Mortgage; c) BORROWER(S) sells the property, transfers title to the property, dies, or (in the case of a single family home) the borrower rents it to anyone for any reason. If the property contains rental units, the borrower may only rent to certified low or moderate income renters per COAH regulations for the life of the Mortgage and Mortgage Note.; d) The holder of any lien (debt) on the property starts foreclosure proceedings; or e) Bankruptcy, insolvency or receivership proceedings are started by or against any of the BORROWERS; f) There is a default under a senior mortgage; or 2) BORROWER(S) fails to comply with any term or condition set forth in the West Orange Township Housing Rehabilitation Deferred Loan Agreement, the Mortgage Note, this Mortgage or the West Orange Township Housing Rehabilitation Program guidelines and procedures. 8) Rights Given to the Lender. BORROWERS(S) mortgage the property to the LENDER. This means that he/she gives the LENDER those rights stated in this Mortgage, also those rights the law gives to lenders of mortgages on real property. When he/she pays all amounts due to the 10/30/2017 12:52:18 PM ESSEX COUNTY Inst.# 13041017 - Page 3 of 5

10/30/2017 12:52:18 PM ESSEX COUNTY v LENDER under this Mortgage Note and Mortgage, LENDER’S rights under this Mortgage will end. The LENDER will then cancel this Mortgage at BORROWER(S) expense. 9) Term. This Mortgage shall be due and payable whenever this property shall be sold or title transferred or BORROWER ceased to occupy this property as their primary residence as provided for in the Mortgage Note. 10) The Lender may subordinate the lien of this Mortgage to the lien of any subsequent home equity loan, secondary mortgage or refinancing to be procured by the BORROWER (S). The Lender will establish rules and regulations for BORROWER(S) to follow in requesting such subordination and may require a reasonable fee to process the necessary paperwork. BORROWERI(S) must allow ample time for the Lender to process any such request prior to the anticipated closing of the new financing that requires any subordination of the lien of their West Orange Housing Program Mortgage. 11) In the event the Lender agrees to subordinate its mortgage, the LENDER shall, if required by the lending institution and after being presented with necessary documentation, execute such documents as may be necessary within twenty-five days of request to do so, to indicate the subordinate character of this Mortgage. 12) No Waiver by Lender. LENDER may exercise any rights under this Mortgage even if LENDER has delayed in exercising that Tight or ae agreed to an earlier instance not to exercise that right. LENDER does! (pot hai iurights to deci: larext that BORROWER (S)isiin default by making payments ‘or incurring “Oxpenses én BORROWER(S)) ‘betialfe” “uct? hed ¥ Inst.# 13041017 - Page 4 of 5

THE BORROWER(S) HEREBY DECLARES AND ACKNOWLEDGES THAT THE BORROWER(S) HAS RECEIVED, WITHOUT CHARGE, A TRUE COPY OF THIS MORTGAGE. IN WITNESS WHEREOF, BORROWER(S) acknowledges that he/she has signed and sealed the agreement and that LENDER has fumished BORROWER(S) with a true copy of this document. WITNESS: BORROWER(S) ppl. Ah utm en. Vernon G. Mitchell . Thelma C. Mitchell INDIVIDUAL ACKNOWLEDGMENT STATE OF NEW JERSEY TOWNSHIP OF, WEST. GRANGE Ni rtified Copy Onithis_ Yo day of Februayy, 20.| 3, by me C | : ia Ova vant , personally appeared Vornon 6. Mite hel/ 1 jf,-{/ who I am satisfied is the person(S) named in and who executed this document, and who signed, sealed and delivered the same as his/her voluntary act and deed, for the purpose herein specified. z NOTARY PUBLIC CHRISTOPHER FIORAVANTI NOTARY PUBLIC OF NEW JERSEY - My Commission fixplres 10/2045 Community Action Services Slat? P.O. Box 6025 AY >) East Brunswick, NJ 08816 10/30/2017 12:52:18 PM ESSEX COUNTY Inst.# 13041017 - Page 5.of 5

Exhibit “B”’

RECORDING INFORMATION SHEET ESSEX COUNTY REGISTER'S OFFICE y HALL OF RECORDS , ROOM 130 465 MARTIN LUTHER KING Jr. Blvd NEWARK NJ 07102 INSTRUMENT NUMBER: DOCUMENT TYPE : 13046713 MORTGAGE Official Use Only Return Address (for recorded documents) COMMUNITY ACTION SERVICES P.O. BOX 6025 EAST BRUNSWICK NJ 08816 PHILIP THIGPEN, REGISTER ESSEX COUNTY, NI INSTRUMENT NUMBER, 13046713 No. Of Pages (excluding Summary Sheet) 4 uy Recording Fee (excluding Transfer Tux) $8.00 Realty Transfer Tax $0.00 Amount Charged (Charge) $8.00 Municipality WEST ORANGE MAIL COPY NO COPY ENVELOPE First Party Name VERNON G MITCHELL. Second Party Name | WEST ORANGE, TOWNSHIP OF Additional Information (Official Use Only) ADDITIONAL STAMPINGS. fe meri esiinemrien teres DO NOT REMOVE THIS PAGE SE Rn I RRR RI Hee COVER SHEET (DOCUMENT SUMMARY FORM) IS PART OF ESSEX COUNTY FILING RECORD eetacreenOENOHOEE RETAIN THIS PAGE FOR FUTURE REFERENCE, *# 0000 On as Male L435 1B SB pea 24. (4 10/30/2017 12:52:47 PM ESSEX COUNTY inst.# 13046713 - Page 1 of § d %

Community Action Services jt P.O. Box 6025 2D East Brunswick, NJ 08816 MORTGAGE ed THIS IS A LEGALLY BINDING DOCUMENT WHICH CREATES A LIEN. DURING THIS THREE-DAY PERIOD, YOU MAY CHOOSE TO HIRE AN ATTORNEY TO REVIEW THIS DOCUMENT. IN THIS THREE-DAY PERIOD, IT IS-POSSIBLE TO CANCEL THE DOCUMENT WITHOUT ANY PENALTY. THE CANCELLATION, HOWEVER, MUST BE IN WRITING. THIS MORTGAGE made this 6th day of February, 2013 between: Vernon G. & Thelma C. Mitchell residing at 589 Eagle Rock Ave, West Orange, NJ 07052, the BORROWER(S), and the TOWNSHIP OF WEST ORANGE, 66 Main Street, West Orange NJ 07052, the LENDER. The BORROWER(S) has applied for monetary assistance under the LENDER'S West Orange Township Housing Rehabilitation Program for the purpose of correcting defects in the house and bringing up to Property Maintenance Code standards, The LENDER has agreed to grant the BORROWER(S) a loan with deferred payments in the amount of: $35,000.00 (Thirty Five Thousand Dollars) which shall constitute the total amount of the loan on which no interest shall be charged. Receipt of the loan is hereby acknowledged and is evidenced by a Mortgage Note which will be signed at the same time as this document. The loan is to bi he, nite RR ROWERS)’ face ange vhis'y lortgagesand subject to all the terms and cohditions:as listédin-the Motigage Notethe Morigage | will secure that the LENDER will be repaid the monies loaned and any other costs or charges incurred for the repair of the BORROWER (S) property. To insure that BORROWER(S) performs its obligations as called for by the Mortgage and Mortgage Note, the BORROWER(S) hereby mortgages to the LENDER, its successors and assigns the tract of land ‘and premises located in the Township of West Orange, County of Essex, State of New Jersey, at 589 Eagle Rock Ave, West Orange, NJ 07052 more specifically known as Block 152.17, Lot 937 as shown on the current tax map of the Township of West Orange. This premises was conveyed to the BORROWER(S) by deed from Ralph P. Dyer dated 6/5/2001 and recorded in the Township Clerk's Office on’6/28/2001 in Book No.5808, Page 600. The BORROWER(S) agrees: 1) Ownership. BORROWER(S) owns the property and will defend his/her ownership against all claims. 2) Payments. He/she will make all payments required by the Mortgage Note and Mortgage. 3) Insurance, He/she will maintain extended coverage insurance on